Short-Term Medical Insurance

During life transitions such as graduating from college, beginning grad school, or changing employers, you can’t afford to go without coverage.

Short-Term Medical Insurance provides temporary medical coverage to help protect you and your family during life transitions like these. You should consider Short-Term Medical if you want to help protect yourself from the potentially high medical costs associated with an unexpected accident or sickness.

You can choose your deductible, coinsurance, maximum coverage amount, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice without incurring out-of-network penalties.

Other benefits include:

$50 co-pay when obtaining treatment at an Urgent Care Facility. Deductible is waived.

After you satisfy your deductible, Short-Term Medical Insurance will begin paying eligible expenses according to the coinsurance you select and up to the coverage period maximum that you choose. Benefits are based on usual and customary charges of the geographical area in which charges are incurred.

Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs

Charges incurred at an urgent care center after a $50 copay

Charges made by a physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case

Charges made for dressings, sutures, casts or other supplies prescribed by the attending physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home

Charges for diagnostic testing using radiology, ultrasonographic or laboratory services

Charges for oxygen and other gases and anesthetics and their administration

Charges made by a licensed extended care facility upon direct transfer from an acute care hospital

Emergency local ambulance transport in connection with injury or sickness resulting in inpatient hospitalization

Expenses related to complications of pregnancy

Charges for physical therapy that is prescribed in advance by a physician in relation to a covered Injury or sickness

You are eligible to enroll if you are age 2 through 64 and you meet the following requirements:

You are not pregnant or, if requesting dependent coverage, not an expectant father or planning on adopting

You will not be covered under other medical insurance at time of requested effective date

You are not a member of the armed forces of any country, state or international organization, other than on reserve duty for 30 days or less

You are able to answer "no" to the medical questions on the application.

Your spouse under age 65 and dependents under age 19 are also eligible for coverage, provided they meet the same requirements. Unmarried children under age 25 may also be included as a covered dependent if enrolled full-time in an accredited school or college. Eligibility for children ages 19 through 25 may vary by state.

Sallie Mae Insurance Services is a registered service mark of Sallie Mae Bank or its subsidiaries, and is used under license by Next Generation Insurance Group LLC ("NGI"), a licensed insurance producer. For insurance licensing information, click here.

Sallie Mae Bank is not a licensed insurance producer or insurance carrier. Insurance programs offered through NGI are underwritten by authorized insurance carriers. All insurance is subject to the terms and conditions of the actual policy purchased and will contain reductions, limitations, exclusions, and termination provisions. Coverage may not be available in all states.

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.

Sallie Mae, Sallie Mae Insurance Services and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries.

Not all coverage or products may be available in all jurisdictions. The description of coverage in these pages is for information purposes only. Actual coverage will vary based on local law requirements and the terms and conditions of the policy issued. The information described herein does not amend, or otherwise affect, the terms and conditions of any insurance policy issued by HCC. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

Insurance products are not deposits or other obligations of, or guaranteed by, Sallie Mae Bank or its affiliates. Insurance Products are not insured by the FDIC or any other agency of the United States, Sallie Mae Bank or its affiliates.